Navigating the credit card benefits options can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. Our system simplifies the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.
**Understanding Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures
This information helps us better understand your spending patterns and identify the best set of credit cards based on your spend.
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**Tailored Credit Card Recommendations**
Next, our AI-driven platform compares your spending patterns with our collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Sign-up Bonuses.
We also provide options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.
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**Ongoing Updates and Suggestions**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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